Claim Coverage

Explore detailed reviews about the claims process and coverage provided by pet insurance companies. See how quickly claims are approved, what’s actually covered, and how satisfied pet parents are with reimbursements.

58,461 total


Verified December 14, 2025

Twice I had to call because they messed…

Twice I had to call because they messed up my claim. I have the best coverage at 90% covered and twice I had to fight they claim.

Insurer: MetLife

By: Lorraine Deehan

December 14, 2025

Where are my reimbursements?

I have four claims in beginning on November 5 and still have not received any reimbursement of my Veterinary bills. Today is December 13. Your premiums are low, but your service is terrible. Four weeks I was told that the app and website were not accepting claims. Why would it take so long to fix this website issue? I paid thousands of dollars in vet bills and I need that money now. After all it is the holidays.

Insurer: Pets Best

By: Dee

Verified December 14, 2025

Love metlife

I have always had a great experience with MetLife pets! They respond to claims so fast. I put the claim in on a Saturday and got a reimbursement on Tuesday.

Insurer: MetLife

By: Alex

Verified December 14, 2025

We got the insurance for our new puppy

We got the insurance for our new puppy. After his first vet visit I was able to quickly upload his receipt for his vaccines and first visit. I was reimbursed the next day or so via zelle. I wish that everything was as easy as filing our first claim.

Insurer: MetLife

By: SpookyRN

December 14, 2025

They are a scam

This company is a scam. They have repeatedly delayed and refused to pay the only claim we have ever submitted. Despite my providing all medical records my dog has ever received—multiple times—they continue to send emails claiming additional records are needed. I have told them, in writing, that those records do not exist, because my dog is usually very healthy and doesn’t visit the vet a lot. But they keep asking for more records and stalling. I have had to call them repeatedly, yet the issue remains unresolved and no payment has been made. Based on this experience, I believe this company is engaging in unlawful bad-faith claims handling.

Insurer: Embrace

By: Clint Lorance

December 14, 2025

Review

The vet would not give an itemized receipt for a service as they state it was a package. I feel that insurance should have reimbursed for part of the bill for the other medical expenses on the receipt.

Insurer: Pets Best

Veterinarian: Veterinary Care Group - Glen Oaks

By: Diana

Useful
Verified December 14, 2025

Fast claim response and fast chat…

Fast claim response and fast chat support

Insurer: MetLife

By: Sofia Maysel

Verified December 14, 2025

Glad I got pet insurance. My last pet I didn’t and it’s paid itself off already

This pet insurance is everything as advertised. Every claim I’ve submitted I have been reimbursed to the full amount I signed up for. After adopting my new puppy the shelter offered me the insurance. I signed up before I left the shelter with my new furry friend. No wait time. Took him to the vet ASAP for a comprehensive exam. And in no time I was fully reimbursed. The app is user friendly which sped up the process.

Insurer: MetLife

By: John

Verified December 14, 2025

Claims are done in very little time and…

Claims are done in very little time and easy to complete

Insurer: Spot

By: Beth

Verified December 14, 2025

Fast claim payment

Fast claim payment. Good coverage.

Insurer: MetLife

By: Charles Pedersen

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